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Posted By: Matt

I'm not sure we're talking on the same plane - Paypal requires a verification stage by which they wire some nominal fees (like 0.86) from your bank account to make sure it indeed is a valid account (they return the money). That takes a few days. Then you must go online and input into the verification page the exact amounts they took from your bank account. Once you have done that, you are instantly verified and can make instant Paypal transfers to other Paypal users accounts.
In general with Paypal if you want to withdraw money from your Paypal balance into your bank account, that also takes a few days.
What you may want to consider is getting the Paypal credit card which would you allow you to pay for real world things (as opposed to virtual things) in real B&M stores directly from your Paypal balance.
Clear?